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AMBL

ANSA Merchant Bank TTSE:AMBL Stock Report

Last Price

TT$45.00

Market Cap

TT$3.9b

7D

7.0%

1Y

9.8%

Updated

19 May, 2022

Data

Company Financials
AMBL fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance3/6
Financial Health5/6
Dividends4/6

AMBL Stock Overview

ANSA Merchant Bank Limited, together with its subsidiaries, provides a range of banking and financial services in Trinidad and Tobago, and the Caribbean.

ANSA Merchant Bank Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for ANSA Merchant Bank
Historical stock prices
Current Share PriceTT$45.00
52 Week HighTT$45.00
52 Week LowTT$40.41
Beta-0.010
1 Month Change0%
3 Month Change11.08%
1 Year Change9.76%
3 Year Change21.62%
5 Year Change12.50%
Change since IPO462.50%

Recent News & Updates

Shareholder Returns

AMBLTT Diversified FinancialTT Market
7D7.0%2.3%-1.1%
1Y9.8%22.7%8.2%

Return vs Industry: AMBL underperformed the TT Diversified Financial industry which returned 19.7% over the past year.

Return vs Market: AMBL exceeded the TT Market which returned 8.4% over the past year.

Price Volatility

Is AMBL's price volatile compared to industry and market?
AMBL volatility
AMBL Average Weekly Movement4.5%
Diversified Financial Industry Average Movement4.7%
Market Average Movement3.7%
10% most volatile stocks in TT Market6.0%
10% least volatile stocks in TT Market1.9%

Stable Share Price: AMBL is not significantly more volatile than the rest of TT stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: AMBL's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1977n/aGregory Hillhttps://www.ansamerchantbank.com

ANSA Merchant Bank Limited, together with its subsidiaries, provides a range of banking and financial services in Trinidad and Tobago, and the Caribbean. The company operates through Banking Services, Mutual Funds, Life Insurance Operations, and General Insurance Operations segments. The Banking Services segment is involved in asset financing, merchant banking, investment services, securities trading, and foreign exchange trading activities.

ANSA Merchant Bank Fundamentals Summary

How do ANSA Merchant Bank's earnings and revenue compare to its market cap?
AMBL fundamental statistics
Market CapTT$3.85b
Earnings (TTM)TT$306.22m
Revenue (TTM)TT$1.11b

12.6x

P/E Ratio

3.5x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
AMBL income statement (TTM)
RevenueTT$1.11b
Cost of RevenueTT$391.80m
Gross ProfitTT$722.23m
Other ExpensesTT$416.00m
EarningsTT$306.22m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)3.58
Gross Margin64.83%
Net Profit Margin27.49%
Debt/Equity Ratio20.7%

How did AMBL perform over the long term?

See historical performance and comparison

Dividends

2.7%

Current Dividend Yield

34%

Payout Ratio

Valuation

Is ANSA Merchant Bank undervalued compared to its fair value and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


12.58x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: AMBL (TTD45) is trading above our estimate of fair value (TTD5.58)

Significantly Below Fair Value: AMBL is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: AMBL is poor value based on its PE Ratio (12.6x) compared to the South American Diversified Financial industry average (9.9x).

PE vs Market: AMBL is good value based on its PE Ratio (12.6x) compared to the TT market (16.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate AMBL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: AMBL is overvalued based on its PB Ratio (1.3x) compared to the XS Diversified Financial industry average (0.9x).


Future Growth

How is ANSA Merchant Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


-29.7%

Forecasted Diversified Financials industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as ANSA Merchant Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has ANSA Merchant Bank performed over the past 5 years?

Past Performance Score

3/6

Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-1.2%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: AMBL has high quality earnings.

Growing Profit Margin: AMBL's current net profit margins (27.5%) are higher than last year (18.8%).


Past Earnings Growth Analysis

Earnings Trend: AMBL's earnings have declined by 1.2% per year over the past 5 years.

Accelerating Growth: AMBL's earnings growth over the past year (89%) exceeds its 5-year average (-1.2% per year).

Earnings vs Industry: AMBL earnings growth over the past year (89%) underperformed the Diversified Financial industry 89%.


Return on Equity

High ROE: AMBL's Return on Equity (10.6%) is considered low.


Financial Health

How is ANSA Merchant Bank's financial position?

Financial Health Score

5/6

Financial Health Score 5/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: AMBL's short term assets (TTD3.8B) do not cover its short term liabilities (TTD4.3B).

Long Term Liabilities: AMBL's short term assets (TTD3.8B) exceed its long term liabilities (TTD2.2B).


Debt to Equity History and Analysis

Debt Level: AMBL has more cash than its total debt.

Reducing Debt: AMBL's debt to equity ratio has reduced from 45.1% to 20.7% over the past 5 years.

Debt Coverage: AMBL's debt is well covered by operating cash flow (143.8%).

Interest Coverage: AMBL's interest payments on its debt are well covered by EBIT (5.1x coverage).


Balance Sheet


Dividend

What is ANSA Merchant Bank current dividend yield, its reliability and sustainability?

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.67%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: AMBL's dividend (2.67%) is higher than the bottom 25% of dividend payers in the TT market (2.57%).

High Dividend: AMBL's dividend (2.67%) is low compared to the top 25% of dividend payers in the TT market (4.47%).


Stability and Growth of Payments

Stable Dividend: AMBL's dividend payments have been volatile in the past 10 years.

Growing Dividend: AMBL's dividend payments have increased over the past 10 years.


Earnings Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (33.5%), AMBL's dividend payments are well covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: With its low cash payout ratio (15.3%), AMBL's dividend payments are well covered by cash flows.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

4.8yrs

Average management tenure


CEO

Gregory Hill

9.17yrs

Tenure

Mr. Gregory N. Hill has been Managing Director of ANSA Merchant Bank Limited since March 19, 2013 and served as its Deputy Managing Director from December 19, 2012 to March 19, 2013. He serves as a Directo...


Leadership Team

Experienced Management: AMBL's management team is considered experienced (4.8 years average tenure).


Board Members

Experienced Board: AMBL's board of directors are considered experienced (4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

ANSA Merchant Bank Limited's employee growth, exchange listings and data sources


Key Information

  • Name: ANSA Merchant Bank Limited
  • Ticker: AMBL
  • Exchange: TTSE
  • Founded: 1977
  • Industry: Other Diversified Financial Services
  • Sector: Diversified Financials
  • Implied Market Cap: TT$3.852b
  • Shares outstanding: 85.61m
  • Website: https://www.ansamerchantbank.com

Location

  • ANSA Merchant Bank Limited
  • ANSA Centre
  • 11 Maraval Road
  • Port of Spain
  • Trinidad & Tobago

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/19 00:00
End of Day Share Price2022/05/19 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.